The Get Ahead Start Home Loan is a way for a family member to help you get started and is a great option if you are looking to buy your first home, but need a little extra help. Available for both investors and owner-occupiers.

Borrow up to 100% of the purchase price of your new property, plus additional funds to cover the costs associated with buying, such as legal costs and stamp duty.


All you need is a family member (usually parent/s) to offer a suitable security property as part of the home loan, and you can also save money on lenders mortgage insurance payments.


Your guarantor can be released from the guarantee early if they want to (provided the borrowers are not in default and we would not require lender's mortgage insurance on the then outstanding loan balance).


  • Borrow up to 100% of the purchase price of the property, plus additional associated costs
  • Reduce or avoid paying Lenders' Mortgage Insurance
  • Available for both investors and owner-occupiers
  • Your guarantor can be released from the guarantee earlier than would normally occur

Product Features:

Home Loan Features
Minimum loan amount : No minimum
Maximum LVR : 80% (per security property offered)
Maximum loan term : 30 years
Interest charges : Calculated daily, charged monthly
Repayment type : Principal & Interest
Repayment frequency : Weekly, fortnightly or monthly
Monthly loan fee : $0
Package fee : $0
Extra repayments : Unlimited
Interest offset : Yes
Redraw : Yes
In principle approval : Yes
Loan preparation fees : Refer to Fees & Charges brochure for current fees applicable
Increase/top up : Yes, subject to approval
Second mortgage security : On application
Vacant land as sole security : Yes (conditions apply)

Eligibility criteria, terms & conditions, fees & charges apply.